QUESTION: I talked to an Insurance Agent AND also called toll free numbers from several big Medicare Supplement companies about my Medicare Supplement and they either said that they didn’t do drug plan comparisons, or tried to sell me only the ones they sell without comparing other plans. They also said most drug plans were all about the same anyway and they could sign me up now. Is this true?
ANSWER: 95% of Licensed Insurance Agents do not want to take the time to help you find out about which drug plan would save you the most money. They don’t get paid very much at all by the drug companies to do it. There are more than 50 drug plan companies in each state. It is complicated and a huge pain in the backside. They will, however, be MORE than happy to sell you a Medicare Supplement, something they do get paid to sell you. I understand completely why they don’t want to “MESS” with drug plans. However, this is My Part D USA. We started in 2005 by giving you price comparisons on your particular drugs and we still do it. I guess what you are wondering now is WHY do we continue? We believe that if you call a company who deals with Medicare coverage, you should be able to get help with ALL YOUR MEDICARE NEEDS. Simple as that! We get calls everyday from people who already bought a Medicare Supplement from an agent or company’s 800 number (without getting a Medicare Supplement price comparison either) and then want help with their drug plan. They do NOT understand that by calling a company directly they have no AGENT, no one to stand up on their behalf, no one to service them. It is so sad that they are not told the truth from the beginning. You need to work with someone who is willing to care about your needs and ALL your Medicare benefits. I understand that everyone needs to make a living. All the companies care about is making money, as do some agents. It is very sad that the Corporations do not want to pay anyone to help you anymore and you will find that less and less people are going to be willing to CARE about you and what is best for you regarding your Medicare decisions.
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on May 2, 2012 in BLOG ONLY, Blog, Drug Savings Tips, Traditional Medicare Supplements.
As the band Areosmith used to sing IT’S THE SAME OLE STORY, SAME OLE SONG AND DANCE, MY FRIEND! Not much has changed when it comes down to what really matters with Medicare and that is finding someone to help you understand your benefits and discuss comparisons of Medicare Supplements, what they cover and how much the different companies will charge you….same for the Drug Plan Companies. These days you must be very careful what you do because even though Medicare watches over “some” actions of these Insurance Companies people slip through the cracks everyday. The drug plans do not care about you…they will do anything NOT pay for your medications. They will also do everything they can do not to pay people (licensed agents) to help you decide which one will save you the most money. That is why we don’t get paid a dime for giving you a drug plan comparison based on your particular medications. NO ONE else out there will do that. That is the one thing My Part D USA can offer you that no one else will do. We actually do something that we don’t get paid for so that YOU will save the most money on your meds!!
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on May 2, 2012 in BLOG ONLY, Blog, Drug Savings Tips.
10,000 people are turning 65 years young everyday in this country. Do you know how many of them actually feel confident about their decisions about Medicare? Not many! Even when you get your book from Medicare to read, you will have many questions. You also have no idea what Medicare Supplement and Drug Plan companies will charge you for coverage. This is ALL we do. Our first priority is assisting you not only in understanding your Medicare benefits, but getting you the best coverage for the lowest prices.
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on May 2, 2012 in Drug Savings Tips, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.
Right now we are in the Annual Election Period for Part D drug plans ONLY!!!! We can help you with your Medicare Supplement any time of the year if the cost has gone up….HOWEVER, don’t get FOOLED by all the Medicare Advantage Plan commercials on TV. This is inferior coverage. It may cost less in some cases…but there are hidden costs they never tell you about. You cannot choose your doctors and your doctor can STOP taking it at any time. You have no accountability from Medicare, because you are NOT using your Medicare benefits. You also give up the right to choose the Part D plan that is best for you. These companies lie in the ads. Plain and simple. We never recommend a Medicare Advantage Plan unless you are in such bad shape financially you absolutely cannot afford a premium or you are on disability and have no other choice!!!!
As always, if you are turning 65, we will guide you in the best direction for both your Medicare Supplement and Part D drug plan, by giving you comparisons and showing you what you need to know so that you can make the best decision for your healthcare!
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on November 30, 2011 in Medicare Advantage Plans, SENIORS WATCH OUT FOR SCAMS.
October 15 to December 7th, 2011 is the Annual Election Period for your Part D drug plans! We WILL have these online for you October 21st to study and choose between your top 5 plans based on premium and co-pay for each of YOUR drugs. If you would ALSO like a comparison of Medigap/Medicare Supplement Plans, please let us know in the comments section. Tell us about your situation and how we can assist you in getting the best coverage for the best price available! When you work with US, we always have your Part D plan comparison ONLINE for you during the AEP each year to make the best decision on saving the most money on your drugs! That is the My Part D USA difference! We help you with ALL YOUR MEDICARE NEEDS EACH AND EVERY YEAR!
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on October 14, 2011 in Drug Savings Tips, Traditional Medicare Supplements.
QUESTION: I am turning 65 and got a call directly from an insurance company who sold me a Medicare Supplement. Now I can’t get anybody to help me with my Part D plan, get a comparison or talk to me when I have a question about my Medicare rights. What did I do wrong??? I am very distressed and need help about my drugs because I need to save as much as possible.
ANSWER: I get many, many calls all day from people who have already gone DIRECTLY to the company OR HAVE RESPONDED TO DIRECT MARKETING FROM AN INSURANCE COMPANY and purchased their Medicare Supplement. Then they need help with their Part D plan or want advice or help about other Medicare coverage issues and they do not have an ADVOCATE or AGENT to help them. They literally are in tears because they were new to Medicare and did not realize they were giving up getting comparisons or help regarding Medicare. All the company is there to do is SELL you a Medicare Supplement. They do NOT CARE ABOUT YOU! Every year YOU will need a new Part D plan comparison because the drug plans change the drugs they cover and the prices you pay for them each year. You will have no one to help you!
IF YOU GO DIRECTLY TO AN INSURANCE COMPANY…AND GO THROUGH THEIR PHONE SALES DEPARTMENT, YOU WILL NOT HAVE AN AGENT OR ADVOCATE TO HELP YOU WITH ANYTHING ELSE THAT HAS TO DO WITH MEDICARE SUCH AS GETTING A PART D PLAN COMPARISON. IF YOU EVER NEED ADVICE, HELP WITH A PROBLEM OR WANT SOMEONE ON YOUR SIDE, YOU FORFEIT THIS SERVICE! THEY WILL NOT TELL YOU WHAT YOU ARE GIVING UP!!!
THE REASON IS: The companies do not want you to have a comparison, especially the Part D plan companies. They want you to keep the same drug plan every year so they can stop covering your drugs and go way up on the price of the ones you already have with them. They also don’t want to pay your agent a commission to assist you. However, these savings do NOT help YOU, OR LOWER YOUR PREMIUM! The company keeps the money, while giving you less service!
At My Part D USA, when you turn 65, we do a comprehensive comparison for BOTH your doctor and hospital coverage and your Part D plan.
BETTER YET, we continue to do that each year for you during the Annual Election Period. This year it is early, Oct. 15th to Dec. 7th. We do not get paid to go the EXTRA MILE for you, but that is why so many people come to us and are so happy with the help we provide. Just read the testimonials!
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on August 31, 2011 in BLOG ONLY, Blog, Drug Plan Enrollment, Drug Savings Tips, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.
www.protectmedigap.org
Congress is debating proposals to reduce the national debt and AHIP is urging lawmakers to protect the Medigap coverage on which million of seniors and people with disabilities rely. If we ever get into the voucher system, the security of government regulation is NOT enforced on Insurance Corporations, as was done when Medicare Advantage Plans were pushed on Seniors. Insurance Corporations with no regulations are going to destroy any decent coverage Seniors can expect to receive. If you were afraid of Obama care…this is much worse! Insurance companies can determine who lives and who dies in this country, and that is NO exaggeration.
Please visit www.protectmedigap.org and find out what you can do to protect your Medicare benefits.
As always, we would be happy to help you if you are turning 65 to get comparisons of Medigap and Part D plans.
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on August 16, 2011 in BLOG ONLY, Blog, SENIORS WATCH OUT FOR SCAMS, Traditional Medicare Supplements.
Everyday I get “feedback” forms in the mail from people we have worked with here at My Part D USA. I thought I’d share a couple of them with you. Helping people have peace of mind about their medical coverage is why we keep this website up and running year after year!
Dear My Part D USA: Absolutely incredible! It was terrific to hear an actual voice and a “God Bless You”, very friendly, warm, and understanding. Retiring after 30 years of teaching I found that I was in unchartered territory both emotionally and physically, but there have been unexpected support, not only from family but from strangers like My Part D USA, which I stumbled around and found on the computer. Finally I had a voice that paced me through a process that has worked like “clockwork”! Thank you so much!
Robbie Davidson, Colorado
Dear My Part D USA: You guys went above and beyond on every issue and helped me get a great plan. Thanks for all your time spent on me alone. In today’s world it is most unusual to get the kind of service you gave and I appreciate it more than I can say!
T. Rice, Texas
Dear My Part D USA: Excellent – Everything went so FAST & EASY! I wish I had called you last year. Thank you for your help. At this age I was apprehensive about changing my medical insurance. You made it very easy and within two weeks it was changed and I have the paperwork and saving money. Thanks again!!
Nancy Leon, Ohio
If you need HELP with saving money on your doctor and hospital coverage any time of the year, just give us a call or email kblake@mypartdusa.org
Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.
Published by mypartdusa on August 4, 2011 in BLOG ONLY, Blog, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.
